上海农村商业银行股份有限公司"提质增效重回报"专项行动方案 为深入贯彻党的二十大、二十届三中全会和中央经济工作会议、中 央金融工作会议精神，落实国务院《关于进一步提高上市公司质量的意 见》，推动公司高质量发展和投资价值提升，保护投资者尤其是中小投 资者合法权益，上海农村商业银行股份有限公司（以下简称"公司"） 积极响应上海证券交易所《关于开展沪市公司"提质增效重回报"专项 行动的倡议》，结合自身发展战略和经营情况，在公司估值提升计划基 础上制定了"提质增效重回报"专项行动方案。具体如下： 一、提升价值创造能力，稳步推进高质量发展 公司坚持党的全面领导，把握金融工作的政治性、人民性，积极服 务国家战略，深化融入区域发展，扎实支持实体经济，始终坚持稳健经 营，推动经营水平和发展质量稳步提升，在为客户、股东、员工和社会 创造价值的道路上砥砺奋进。 （一）积极服务国家战略，主动融入区域发展 提高政治站位，以公司新一轮发展战略为引领，坚持"客户中心、 普惠金融、数字转型"三大核心战略，持续打造"五大金融服务体 系"，深化OKR战略管理工具运用，强化战略执行，全面服务"十五 五"时期科技创新、乡村振兴、绿色低碳转型、民生 ...

上海农商银行 2025 年半年度第三支柱信息 本行建立完善的信息披露治理结构，由董事会批准并由高级管理 层实施有效的内部控制流程，对信息披露内容进行合理审查，确保第 三支柱披露信息真实、可靠。2025 年 8 月 29 日，本行董事会 2025 年第七次会议审议通过了本报告。 本行根据国家金融监督管理总局 2023 年 11 月发布的《商业银行 资本管理办法》正文及附件的相关规定编制并披露本报告。 具体表单如下： 表格 KM1：监管并表关键审慎监管指标 单位：人民币万元 表格 OV1：风险加权资产概况 | | a | b | | | | c | | | d | | | | | | e | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | 2025 年 6 月 30 | 2025 年 3 | 月 | 31 | 2024 年 | 12 | 月 31 | 2024 | 9 | 月 | 年 | 年 | 30 | 2024 | 6 月 30 | | | 日 | 日 | ...

本公司董事会及全体董事保证本公告内容不存在任何虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担法律责任。 重要内容提示： 本次关联交易已经独立董事专门会议、董事会关联交易控制委 员会审议通过，并由董事会批准，无需提交股东大会审议。 本次关联交易属于本公司日常业务经营中的正常业务，不构成 对关联方重大依赖，对本公司的正常经营活动及财务状况不构成重要 影响。 一、关联交易概述 上海农村商业银行股份有限公司（以下简称"本公司"）董事会 2025 年第七次会议审议通过了《关于公司关联交易的议案》，同意 给予上海国际集团有限公司关联授信额度 298 亿元、给予中国远洋海 运集团有限公司关联授信额度 125 亿元、给予中国宝武钢铁集团有限 公司关联授信额度 85 亿元、给予上海久事（集团）有限公司关联授 信额度 92 亿元、给予中国太平洋保险（集团）股份有限公司关联授 信额度 51 亿元、给予上海国盛（集团）有限公司关联授信额度 78 亿 元、给予浙江省交通投资集团有限公司关联授信额度 41.3 亿元、给 予中国太平保险集团有限责任公司关联授信额度 53 亿元、给予上海 申迪（集团）有限公司关 ...

Market Overview - On August 29, the rural commercial bank sector declined by 0.23%, with Yunnan Rural Commercial Bank leading the drop [1] - The Shanghai Composite Index closed at 3857.93, up 0.37%, while the Shenzhen Component Index closed at 12696.15, up 0.99% [1] Individual Stock Performance - Key stock performances in the rural commercial bank sector included: - Zijin Bank: Closed at 2.98, up 1.71% with a trading volume of 1.1942 million shares and a turnover of 3.56 billion [1] - Wuxi Bank: Closed at 6.10, up 1.50% with a trading volume of 520,700 shares and a turnover of 321 million [1] - Zhangjiagang Bank: Closed at 4.52, up 0.67% with a trading volume of 671,100 shares and a turnover of 304 million [1] - Qingnong Bank: Closed at 3.42, up 0.59% with a trading volume of 661,700 shares and a turnover of 228 million [1] - Jiangyin Bank: Closed at 4.80, up 0.21% with a trading volume of 510,100 shares and a turnover of 247 million [1] - Ruifeng Bank: Closed at 5.61, down 0.18% with a trading volume of 182,100 shares and a turnover of 103 million [1] - Changshu Bank: Closed at 7.52, down 0.27% with a trading volume of 445,800 shares and a turnover of 338 million [1] - Sunong Bank: Closed at 5.29, down 0.38% with a trading volume of 477,800 shares and a turnover of 255 million [1] - Hunan Rural Commercial Bank: Closed at 18.70, down 0.68% with a trading volume of 364,400 shares and a turnover of 320 million [1] - Yunnan Rural Commercial Bank: Closed at 6.29, down 0.79% with a trading volume of 865,600 shares and a turnover of 552 million [1] Capital Flow Analysis - The rural commercial bank sector experienced a net outflow of 13.4605 million from main funds, while speculative funds saw a net inflow of 38.5712 million, and retail investors had a net outflow of 25.1107 million [1] - Detailed capital flow for individual stocks included: - Sunong Bank: Main funds net inflow of 22.3068 million, speculative funds net inflow of 30.55 million, retail net outflow of 22.6123 million [2] - Jiangyin Bank: Main funds net inflow of 7.4654 million, speculative funds net inflow of 73.39 million, retail net outflow of 8.1993 million [2] - Zijin Bank: Main funds net inflow of 7.3454 million, speculative funds net inflow of 819.73 million, retail net outflow of 15.5427 million [2] - Qingnong Bank: Main funds net inflow of 6.0408 million, speculative funds net inflow of 374.38 million, retail net outflow of 9.7846 million [2] - Wuxi Bank: Main funds net inflow of 3.1286 million, speculative funds net inflow of 96.36 million, retail net outflow of 4.0922 million [2] - Ruifeng Bank: Main funds net outflow of 1.3678 million, speculative funds net inflow of 794.01 million, retail net outflow of 6.5722 million [2] - Zhangjiagang Bank: Main funds net outflow of 2.5651 million, speculative funds net inflow of 438.50 million, retail net outflow of 1.8199 million [2] - Hunan Rural Commercial Bank: Main funds net outflow of 7.2508 million, speculative funds net inflow of 596.70 million, retail net inflow of 128.37 million [2] - Changshu Bank: Main funds net outflow of 8.2141 million, speculative funds net inflow of 620.80 million, retail net inflow of 200.61 million [2] - Yunnan Rural Commercial Bank: Main funds net outflow of 40.3497 million, speculative funds net inflow of 12.71 million, retail net inflow of 40.2227 million [2]

Market Performance - The agricultural commercial bank sector increased by 0.41% on August 28, with Shanghai Agricultural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3843.6, up 1.14%, while the Shenzhen Component Index closed at 12571.37, up 2.25% [1] Individual Stock Performance - Shanghai Agricultural Commercial Bank (601825) closed at 8.76, up 1.04% with a trading volume of 382,700 shares and a transaction value of 334 million [1] - Zhangjiagang Bank (002839) closed at 4.49, up 0.67% with a trading volume of 410,800 shares and a transaction value of 183 million [1] - Chongqing Agricultural Commercial Bank (601077) closed at 6.34, up 0.48% with a trading volume of 744,600 shares and a transaction value of 470 million [1] - Jiangyin Bank (002807) closed at 4.79, down 0.21% with a trading volume of 489,800 shares and a transaction value of 234 million [1] Capital Flow Analysis - The agricultural commercial bank sector saw a net inflow of 9.792 million from institutional investors and a net inflow of 43.4504 million from retail investors, while individual investors experienced a net outflow of 53.2424 million [1] - Chongqing Agricultural Commercial Bank had a net inflow of 32.1428 million from institutional investors, while retail investors had a net outflow of 786.10 thousand [2] - Jiangyin Bank experienced a net inflow of 1.0032 million from institutional investors, with a net outflow of 2.76418 million from retail investors [2]

证券之星消息，8月26日农商行板块较上一交易日下跌0.93%，无锡银行领跌。当日上证指数报收于 3868.38，下跌0.39%。深证成指报收于12473.17，上涨0.26%。农商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 601128 | 常熟银行 | 7.67 | -0.13% | 37.49万 | | 2.88 Z | | 601860 | 紫金银行 | 66'Z | -0.66% | 42.99万 | | 1.29亿 | | 601077 | 渝农商行 | 6.44 | -0.77% | 1 48.69万 | | 3.14亿 | | 002839 | 张家港行 | 4.52 | -0.88% | 33.41万 | | 1.51亿 | | 603323 | 苏农银行 | 5.40 | -1.10% | 27.60万 | | 1.49 Z | | 601825 | 沪农商行 | 8.76 | -1.13% | 23.72万 | | 2.08亿 | ...

Group 1 - The core viewpoint of the news highlights the trading performance and financial metrics of Shanghai Rural Commercial Bank (沪农商行) as of August 25, 2023, indicating a slight increase in stock price and notable financing activities [1] - On August 25, 2023, the bank's stock price rose by 0.68%, with a trading volume of 243 million yuan. The net financing buy was negative at -10.69 million yuan, with total financing and securities balance at 165 million yuan [1] - The bank's financing balance of 155 million yuan represents 0.19% of its market capitalization, which is below the 40th percentile of the past year, indicating a low level of financing activity [1] Group 2 - As of March 31, 2025, the number of shareholders for the bank was 84,700, a decrease of 6.19% from the previous period, while the average circulating shares per person increased by 6.60% to 109,982 shares [2] - For the first quarter of 2025, the bank reported zero operating income but a net profit attributable to shareholders of 3.564 billion yuan, reflecting a year-on-year growth of 0.34% [2] - The bank has distributed a total of 16.521 billion yuan in dividends since its A-share listing, with 11.120 billion yuan distributed over the past three years [3] Group 3 - As of March 31, 2025, Hong Kong Central Clearing Limited emerged as the tenth largest circulating shareholder, holding 206 million shares as a new shareholder [3]

证券之星消息，8月25日农商行板块较上一交易日上涨0.67%，瑞丰银行领涨。当日上证指数报收于 3883.56，上涨1.51%。深证成指报收于12441.07，上涨2.26%。农商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601528 | 瑞丰银行 | 5.85 | 1.92% | 25.55万 | 1.48亿 | | 601128 | 常熟银行 | 7.68 | 1.05% | 48.12万 | 3.68亿 | | 601860 | 紫金银行 | 3.01 | 1.01% | 75.52万 | 2.27亿 | | 002807 | 江阴银行 | 5.00 | 0.81% | 42.64万 | 2.12亿 | | 601825 | 沪农商行 | 8.86 | 0.68% | 27.57万 | 2.43亿 | | 002839 | 张家港行 | 4.56 | 0.66% | 46.59万 | 2.12亿 | | 002958 | 青农商行 | 3.54 | 0.57% ...

Market Overview - On August 25, the A-share market experienced a significant upward trend, with the Shanghai Composite Index approaching 3900 points and the ChiNext Index leading in gains [1] - The total trading volume of the two markets reached 3.14 trillion yuan, an increase of 594.4 billion yuan compared to the previous trading day [1] ETF Performance - The Dividend Low Volatility ETF (512890) rose by 0.83% on the same day, closing at 1.219 yuan, with a turnover rate of 2.59% and a trading volume of 546 million yuan, making it the top performer among similar ETFs [2][3] - As of August 22, 2025, the asset size of the ETF was 20.992 billion yuan, with a daily average trading volume of 483 million yuan over the past 20 trading days, indicating sustained market interest [2] Fund Flow Analysis - Recent fund flows indicate short-term outflows and medium to long-term inflows, with a net outflow of 57 million yuan over the past five trading days and 117 million yuan over the past ten days; however, there was a net inflow of 3.298 billion yuan over the past 60 days [2] - The ETF's cumulative return since its establishment in December 2018 has reached 141.74%, significantly outperforming its benchmark and ranking 33rd among 502 similar products [5] Holdings and Sector Focus - The ETF's top holdings are primarily in the banking sector, including Chengdu Bank, Industrial Bank, Sichuan Road and Bridge, and Daqin Railway, which all saw price increases on August 25, aligning with their high dividend and low valuation characteristics [4] - The frequency of insurance capital stake acquisitions has significantly increased in 2025, with nearly 30 instances by August 19, focusing on high-dividend, low-volatility sectors such as banking and utilities, which enhances market attention and capital inflow expectations for the ETF's holdings [4]

Core Viewpoint - Shanghai Rural Commercial Bank has celebrated its 20th anniversary since its transformation into a modern commercial bank, evolving from a rural credit cooperative to a listed bank with assets exceeding 1.5 trillion yuan, while maintaining its commitment to inclusive finance and serving the agricultural sector [2][3]. Group 1: Historical Development - The bank's roots trace back to 1949 with the establishment of the first rural credit cooperative in Shanghai, which laid the foundation for its mission to serve the agricultural community [3]. - In 2005, Shanghai Rural Commercial Bank became the first provincial-level joint-stock commercial bank established on the basis of rural credit cooperatives [3]. - The bank has continuously expanded its services to cover rural areas, achieving recognition for 282 credit villages and 10 credit towns by the first quarter of 2025 [3][4]. Group 2: Inclusive Finance Strategy - The bank has established a dense network of nearly 360 branches, ensuring coverage of over 1,500 administrative villages in Shanghai's suburban areas [4]. - Since 2019, the bank has committed to the mission of "Inclusive Finance to Enhance People's Quality of Life," focusing on small and micro enterprises with a loan balance exceeding 88 billion yuan and serving over 50,000 clients by the first quarter of 2025 [4][6]. - The bank has developed a progressive financial service model for small businesses, emphasizing a sustainable lending mechanism [4][6]. Group 3: Technological and Innovative Development - The bank has prioritized technology finance as a key area, aligning with national strategies to promote innovation and economic development [6][7]. - Since 2009, the bank has been actively cultivating technology enterprises, providing loans to nearly 4,500 tech companies with a total loan amount exceeding 120 billion yuan by the first quarter of 2025 [8]. - The bank has created a collaborative ecosystem for technology finance, integrating resources from various sectors to support the growth of innovative companies [7][8]. Group 4: Community and Social Responsibility - The bank aims to become a service-oriented institution focused on creating value for customers, moving away from traditional product-centric models [9]. - It has launched the "Heart Garden" public service project, integrating financial and non-financial services to enhance community welfare [9][10]. - The bank emphasizes its role in social governance and community service, aligning its operations with national strategies and local development needs [10][11].